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Athens Car Insurance

Finding Athens car insurance online is quick and easy using this web site. In order to keep the roads safe and legal, all drivers in Athens must have auto insurance. Home of the University of Georgia, Athens, Ga. is one of the most popular southeastern towns in the United States. The university is the reason why Athens was formed in the first place and is responsible for the cities booming growth. The town has a unified government with Clarke County and is known politically as Athens-Clarke County. With a population of over 100,000, Athens is the fifth largest city in Georgia. Being a college town it is not rare to find people cruising along the historic streets of Athens trying to sport their red and black school spirit.

Culture is a big part of what UGA, Athens and Georgia is all about. Through the city's music venues, restaurants, bars and coffee shops, Athens is a bohemian atmosphere where young and old minds alike can explore and be adventurous. Students, professors and working professionals spend their days achieving great things and at night, they reward themselves with relaxation. Home to The Globe, one of the top bars in America as voted by Esquire magazine, this city is full speed ahead at all hours. Independent publisher Hill Street Press calls Athens home, as do many musicians including R.E.M. and the B-52's. Music is a staple for this happening community with plenty of venues, including the historic Georgia Theatre that is being restored. There is also a great appreciation for exploring the outdoors by foot, bike, motorcycle, or car. No matter if you own a sports utility vehicle, minivan, economy car or even a convertible, it is easy to transport your bike to the nearby lakes and mountains to explore the wide-open spaces. Bicycle culture is prevalent and drivers must be aware of their friends pedaling on two wheels.

The Athens vehicle insurance requirements are no different from for the rest of Georgians on the roadways. The state law required 25/50/25 set of coverage which broken down includes bodily injury liability and property damage liability. Drivers must carry up to $25,000 per person and up to $50,000 per accident in bodily injury liability, which covers medical costs and loss of wages for occupants in the vehicles other than the insured. He or she must also carry $25,000 in property damage liability, which covers repair and replacement costs for structures damaged in a car accident such as a house or commercial business. Georgia operates under a Tort system that means the driver found to be at fault for the accident will have his or her Athens auto insurance company charged. [1]

Premiums for Georgians are at an average of $1,619 in 2009, which is slightly below the national average of $1,794. Rates are continuing to rise each year and shopping around for Athens car insurance online can end up saving you big money. In 2004, the average insurance premium rate was $778.63, which was an increase from 2003's rate of $759.49. Going back even further, the rate average in 2000 was $674.12 and $703.07 in 2001. Statistically, Georgia's rates are lower than at least half the United States. Neither the state nor the insurance companies themselves set the standard rate for Athens Georgia automobile insurance. That means shopping around is the best option drivers have to save money. [1]

Understanding Your Coverage Options

Choosing an Athens car insurance plan that works for you is the most important thing. That is why comparing coverage options are important when you look at premium rates. The state minimum just calls for liability coverage; however, liability only covers you if you are found to be at fault. Moreover, it does not cover your expenses, just the expenses of the driver and/or occupants of the second car involved in the accident. If you do choose liability, you may want to look at personal injury protection, which is a form of liability coverage but actually will cover your costs and repairs. If this does not sound like it will work for you and your car, you may want to look at additional coverage.

Purchasing additional coverage, such as collision, comprehensive and uninsured/underinsured motorist protection, will increase your Athens car insurance quote, but it could save you in out of pocket expenses. If your car is still under finance, you may be required to purchase all three of these types. Collision insurance covers repairs if you are involved in a car accident. Comprehensive insurance protects your car from weather damage, auto theft, vandalism and even fire. Uninsured/underinsured motorist protection may be the most helpful in additional coverage. This type of protection helps cover your costs if you are in a car accident with a driver who does not have Athens car insurance or does not have adequate coverage.

You do not want to be stuck paying for insurance coverage you do not need and you do not want coverage that does not fully protect your car. While there is no such thing as true "full" coverage, you want to make sure your investment is protected. Comparing your coverage options is the best way to ensure your Athens Georgia vehicle insurance policy will protect you without the loopholes.

Lowering Your Rate

When you compare and contrast, your coverage options with various Athens car insurance companies make sure you know what your company is looking for. Your automobile insurance premium is based on a variety of factors including your age, gender, location, type of vehicle, driving record and even your education. Males more often than not pay more than women do in premiums, as do drivers that live in big Georgia cities. In addition, the type of automobile, especially the initial cost, will determine how expensive or cheap your Athens Georgia auto insurance will be. Even though you are only reimbursed the blue book value of a car, the initial price can cause a spike in premium rates.

Being in a college town, age and education level are two factors that will affect students specifically. Younger drivers are looked at as lacking real driving experience so are seen as a high risk for Athens car insurance companies. Being on a parents policy may help your premiums decrease, but you can do more than that. Taking defensive driving courses and driver's education classes, as approved by the state and insurance company, will help you improve your chances for cheap Athens Georgia automobile insurance. In addition, having good grades and being an overall good student can make you applicable for a discount from your Athens car insurance company, so keep the grades up and your premium should stay down.

No matter what coverage you choose or what kind of car you drive, make sure you do your homework. When you are looking for car insurance read about the coverage options, company policies and state requirements. Looking online is the fastest way to find cheap Athens car insurance because it allows you to do all these steps on this one web site.

[1] http://www.autosinfo.com/insurance/state/Georgia

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